Make a claim

If the unexpected should happen and you or your relatives/executors need to claim an insurance benefit, we’re here to help you through the process.

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In the unfortunate event that you are unable to work due to illness or injury, you may be able to claim an insurance benefit.

Similarly, if you are a relative or executor of a member who has passed away, you should contact us when possible to advise us and we’ll help you through the insurance claims process.

Our aim is to help you on the path to a successful claim, while acknowledging the sometimes complex and time-consuming nature of the claims process. We’ll guide you through the paperwork you’ll need to submit and how to make sure it’s complete and delivered in a timely manner.

We are committed to our Claims Philosophy

It’s important that all claims are processed efficiently and in a timely manner, having regard to current best practice in this area, and it’s our responsibility to:

  • act in the best interests of beneficiaries,
  • exercise appropriate care, skill and diligence, and
  • do everything that is reasonable to pursue an insurance claim for the benefit of a beneficiary, if the claim has a reasonable prospect of success.


Claiming a Death benefit

In the unfortunate event of your death while you’re a member of iQ Super, a lump sum Death Benefit will be paid to your beneficiaries, usually your dependants or your estate. The lump sum is normally equal to your account balance, plus, if you are eligible, an insured component.

You should nominate who you want your benefit to be paid to in the event of your death by making either a binding or preferred nomination.

You should also read your Insurance, Fees and Costs Guide (available on your online account) for specific details about how your Death Benefit is calculated and whether you qualify for an insured amount.

What your dependants need to do

To make a claim, your dependant/s need to call us to notify us of your passing and take care of the paperwork, which we’ll then send to the insurer to start the payment process.

The claims process can be complex and take time, depending on the circumstances, but we’re here to help make the process run as efficiently as possible.

Your Death Benefit Fact Sheet


Claiming a Total and Permanent Disablement benefit

If you become totally and permanently disabled while you’re a member of iQ Super, you’ll receive a lump sum benefit. The amount of your benefit and how long you need to wait before making a claim depends on whether or not you have an insured component.

Every claim is different, but the assessment process can typically take several months, depending on the number and type of medical exams needed. Where the illness is terminal, the assessment process is much shorter.

What happens next?

To make a claim, you'll need to call us on 1800 555 667, so we can send you the forms you need to complete. We'll then send all completed documents to the insurer to process your claim.

Your TPD Benefit Fact Sheet


Claiming an Income Protection benefit

Should you become totally and temporarily disabled, while you’re a member of iQ Super, you may be eligible for an Income Protection Benefit.

This benefit usually provides a payment of 75% of your salary while you’re unable to work, for up to two years. Your Insurance, Fees and Costs Guide (available on your online account) has full details of the benefits that may apply to you.

If you’re eligible and want to make a claim, you'll need to serve out a waiting period (usually 90 days), and before this period ends, call us on 1800 555 667 so we can send you the forms you need to complete.

Once we receive your documents, we’ll forward them, along with any other required paperwork, to the insurer to process your claim.

What happens next

Every claim is different, but the insurer's assessment process can take up to six months and sometimes longer, depending on the number and type of medical exams needed.

If the insurer approves your claim, it will be for a set period, and payments are generally made monthly in arrears. Note that the Trustee must also review the claim before payments can begin.

If you return to work during the period, your payments will cease. If you return to work on reduced hours, you may be eligible to receive a partial disablement benefit.

Your Income Protection Benefit Fact Sheet


Need to make a claim?

Call us on 1800 555 667 or email us and we can get started.

1800 555 667

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